Attaining financial health feels so unattainable for me. I'm so far behind. In debt ($3K). In spending (its gone before I make it). I am in over my head.
They say to start small -- make minimum payments on credit cards, make budgets (and stick to them), etc. And I'm trying to start small. I have a plan for November -- a budget written out that after close inspection, I can't deviate from. It's going to be cutting it close as it is. Really close.
And to top it all off, I'm pretty sure I just overdrafted my bank account today by making a large ($300 large) credit card payment -- I didn't realize there were a couple of things still floating that hadn't been taken into account in my checking.
I really just need to get rid of the debit cards. They're convenient. But they're more trouble. It may be time to revert back to the old checks. And I need to stop using the credit card! If I don't have the money, I shouldn't be buying it.
So it's up early tomorrow to withdraw money from one bank to put into another bank to prevent (hopefully) overdraft fees. ::sigh::
And so slips away more of my meager savings.
Yes, time to remove the debit cards from use.
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